Complex re-bridge for Spanish villa in 6 working days
£1.48m · ~70% LTV · funded in 6 working days
6 working days to funding
In short
How was Complex re-bridge for Spanish villa in 6 working days financed?
Clifton International arranged regulated bridging finance for this Spain / UK transaction — £1.48m, ~70% LTV, funded in 6 working days. £1.48m regulated re-bridge, ~70% LTV, 12-month term, secured against £2.3m UK property. Funds delivered in 6 working days; Spanish villa purchase completed on time and the previous bridging facility repaid in full.
- Location: Spain / UK. Finance type: Regulated bridging finance.
- Time to funding: 6 working days to funding.
- Long-standing clients had originally used a £170k bridging loan secured against their £2.5m UK home to fund the 10% deposit on a Spanish villa, with the exit being the sale of the UK property. When the UK sale collapsed at the last minute and a replacement lender withdrew, they had just 6 working days to clear the full balance on the Spanish purchase — a regulated re-bridge, with minor credit issues and a down-valuation pushing the LTV over 70%.
- Funds delivered in 6 working days; Spanish villa purchase completed on time and the previous bridging facility repaid in full.
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- Loan amount
- £1,480,000
- Security value
- £2,300,000
- LTV
- ~70%
- Term
- 12 months
- Time to funding
- 6 working days
- Structure
- Regulated re-bridge
Cross-border bridging for a Spanish villa purchase
Where the security is a UK home and the purchase is in Spain, the finance has to satisfy UK regulated lending rules while meeting a Spanish completion deadline.
- Challenge
- Long-standing clients had originally used a £170k bridging loan secured against their £2.5m UK home to fund the 10% deposit on a Spanish villa, with the exit being the sale of the UK property. When the UK sale collapsed at the last minute and a replacement lender withdrew, they had just 6 working days to clear the full balance on the Spanish purchase — a regulated re-bridge, with minor credit issues and a down-valuation pushing the LTV over 70%.
- Solution
- Working with our specialist partners, a lender we hold a strong relationship with was approached, a fully packaged application was submitted within hours and a fast-tracked full valuation was arranged and used search indemnity insurance to remove time-cost from legals. All parties — lender, valuer, both sets of solicitors and the client — worked in lockstep to hit the deadline.
- Funding structure
- £1.48m regulated re-bridge, ~70% LTV, 12-month term, secured against £2.3m UK property.
- Outcome
- Funds delivered in 6 working days; Spanish villa purchase completed on time and the previous bridging facility repaid in full.
Chain collapse and six-day deadline
The clients had used an initial £170,000 bridge against their UK home to fund the deposit on a Spanish villa. Their plan was to repay that loan from the UK property sale. When the sale collapsed and a replacement lender withdrew, the clients had only six working days to clear the balance required for the Spanish completion.
Why the case was difficult
The replacement facility had to be regulated because it was secured against the clients’ UK home. Minor credit issues, a down-valuation and leverage above 70% added further underwriting pressure. The deadline left no room to process valuation, legal work and lender approval sequentially.
- £1.48m regulated re-bridge
- Security valued at £2.3m
- Approximately 70% LTV over 12 months
- Spanish villa completion due in six working days
Coordinated finance approach
Clifton worked with specialist partners and an established lender relationship to package the application immediately. A full valuation was fast-tracked, search indemnity insurance reduced legal delay, and the lender, valuer, both solicitors and the client progressed their work in parallel.
Outcome
The £1.48m facility completed in six working days. It repaid the previous bridge and provided the balance needed to complete the Spanish villa purchase on time. The case was a UK regulated bridging transaction supporting a Spanish purchase, not a non-resident Spanish mortgage, and its success depended on an unusually compressed but fully coordinated process.
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